1669 Bay Breeze Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1669 Bay Breeze Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,843 sqft · built 2020
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$296,954 (Jul 2020)
Tax Bill	$4,108 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`042631012200010750`

Property Details

APN / Parcel Number

Primary APN	`042631012200010750`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,843 sqft Heated Area
Gross Area	2,516 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.189 acres)
Garage Type	Finished
Porch	Open Porch
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1669 BAY BREEZE DR
City	SAINT CLOUD
State	FL
Zip	34771-7483
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESTATES OF WESTERLY PB 26 PGS 193-195 LOT 75
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	ESTATES OF WESTERLY
Legal Tract	122
Legal Lot Number	75
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3026
Census Tract	43700

Owner

1669 Bay Breeze Dr is owned and occupied by an individual who bought it in July 2020.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1669 BAY BREEZE DR, SAINT CLOUD, FL 34771-7483
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jul 9, 2020	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage WINTRUST MORTGAGE
Oct 7, 2019	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2020 · Amount on File
Deed Sale	Jul 9, 2020 · Amount on File
Prior Sale	Oct 7, 2019 · Amount on File
Deed Document Number	2020088432
Deed Book / Page	5751 / 1757
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1669 BAY BREEZE DR, SAINT CLOUD, FL 34771-7483
Transaction Type	Mortgage
Record Updated	Sep 4, 2023
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1669 BAY BREEZE DR, SAINT CLOUD, FL 34771-7483

Mortgage

Document Number	0064620160
Date	Aug 22, 2023
Book Page	6462/160
Instrument	2023110577

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jul 26, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 9, 2020
Property Address	1669 BAY BREEZE DR, SAINT CLOUD, FL 34771-7483
Document Number	0057511757
Book / Page	5751 / 1757
Map Reference	MB 26 PG 193
Instrument Date	Jul 2, 2020
Instrument	2020088432
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 1, 2022
Title Company	AMERICAN HOME T&E CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,079.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10255 FORTUNE PKWY # 150, 10255, JACKSONVILLE, FL 32256-6502

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1669 BAY BREEZE DR, SAINT CLOUD, FL 34771-7483

Mortgage

Document Number	0057511758
Date	Jul 9, 2020
Instrument	5751/1758

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 7, 2019
Property Address	1669 BAY BREEZE DR, SAINT CLOUD, FL 34771-7483
Document Number	0056011220
Book / Page	005601 / 001220
Instrument Date	Oct 1, 2019
Instrument	129108
Transaction Type	Transfer
Record Updated	Oct 23, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$11,274.20
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	2822 COMMERCE PARK DR #100 ORLANDO FL 328198636, 100, ORLANDO, FL 32819-8636
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1669 Bay Breeze Dr was $4,108 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,108.00 Homeowner's exemption	$272,386	$333,200 Land $70,000 Building $263,200
2023	$3,869.00 (+3.53%) Homeowner's exemption	$257,000 (+3%)	$336,200 (+20.29%) Land $65,000 Building $271,200
2022	$3,737.00 Homeowner's exemption	$249,515	$279,500 Land $55,000 Building $224,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1669 Bay Breeze Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1669 Bay Breeze Dr is high, ranking above 76% of the US, with a 0.6% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 76% of the US · above 62% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 103 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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